Stripe Payout Estimator
Professional Fee Calculator for Global Merchants
⚡ Instant Calculations | 🔒 Privacy-First | 📱 Mobile Optimized
Select Your Country
🇺🇸
United States
USD
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United Kingdom
GBP
🇪🇺
European Union
EUR
🇨🇦
Canada
CAD
🇦🇺
Australia
AUD
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Japan
JPY
Transaction Details
$
Enter the amount you want to receive
$
Enter your monthly volume for volume discounts (Optional)
💰 Fee Breakdown
Net Payout Amount
$0.00
You'll receive this amount after fees
Detailed Fee Breakdown
Total Fees:
$0.00
Effective Rate:
0.00%
Visual Fee Breakdown
Actions
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⚙️ Advanced Options
The Ultimate Guide to Using a Stripe Payout Estimator (Free Tool)
If you accept payments online, you know that processing fees can eat into your revenue fast. What if you could predict exactly how much you’ll actually receive from every transaction? That’s where a Stripe Payout Estimator becomes your secret weapon.
In this guide, I’ll explain what this powerful tool does, show you step-by-step how to use our free Stripe fee calculator, and answer the most common questions about calculating Stripe processing fees.
What Is a Stripe Payout Estimator?
A Stripe Payout Estimator is a specialized financial calculator that instantly tells you how much money you’ll keep after Stripe deducts its processing fees. Unlike basic calculators, it factors in:
- Standard processing fees (2.9% + $0.30 per transaction)
- International card surcharges (+1.5%)
- Currency conversion costs (+1%)
- Volume discounts for high-earning merchants
- Chargeback fees ($15 per incident)
- Subscription billing scenarios
Think of it as your financial crystal ball—no more surprises when you check your Stripe dashboard.
Why Every Online Business Needs This Tool
Stop losing money to hidden fees. When I first started my e-commerce store, I was shocked to discover I was losing nearly 4% on international orders. A payout estimator helps you:
- Price products profitably – Build fees into your pricing strategy
- Forecast cash flow – Know exactly what hits your bank account
- Compare scenarios – See how different payment methods affect your bottom line
- Negotiate better rates – Use data to qualify for Stripe’s volume discounts
- Save hours of manual calculations – Get instant results as you type
How to Use Our Free Stripe Payout Estimator (Step-by-Step)
Our tool is designed for speed and simplicity. Here’s how to get accurate results in under 30 seconds:
Step 1: Select Your Country
Click on your country flag at the top of the calculator. This ensures you’re seeing fees in your local currency (USD, EUR, GBP, CAD, AUD, or JPY).
Step 2: Enter Your Transaction Amount
Type the amount you plan to charge your customer. The tool automatically formats currency and validates your input in real-time.
Pro Tip: Enter your average order value first, then test your highest and lowest priced items to see the effective fee rate.
Step 3: Choose Card Type
- Domestic cards – Standard 2.9% + $0.30 rate
- International cards – Adds 1.5% surcharge
Example: A $100 sale with an international card costs you $4.70 instead of $3.20.
Step 4: Indicate Currency Conversion
If you’re charging in a different currency than your payout currency, check “Yes” to add the 1% conversion fee.
Step 5: (Optional) Add Monthly Volume
Enter your estimated monthly processing volume to see if you qualify for volume discounts:
- $50k+ = 0.1% discount
- $100k+ = 0.2% discount
- $250k+ = 0.3% discount
- $1M+ = 0.5% discount
Step 6: Explore Advanced Options
- Chargeback fee – Add $15 to see the impact of disputes
- Subscription mode – Multiplies results by 12 months for recurring revenue forecasting
- Comparison mode – Shows side-by-side scenarios
Step 7: Click “Calculate Fees”
Results appear instantly with animated counters and a visual pie chart breakdown.
Understanding Your Results
The calculator displays five key pieces of information:
- Net Payout Amount – The actual money deposited to your bank (highlighted in green)
- Base Processing Fee – Stripe’s standard cut
- International Fee – Only if applicable
- Currency Conversion Fee – Only if applicable
- Effective Rate – The real percentage you’re paying (often higher than you think)
Visual Breakdown: The interactive chart shows exactly where your money goes. Red = fees, Green = your profit.
7 Expert Tips for Accurate Calculations
- Test worst-case scenarios – Always calculate with international cards to avoid cash flow shortfalls
- Factor in refunds – Remember, Stripe doesn’t return the $0.30 fixed fee on refunds
- Mind the micropayments – On transactions under $10, the $0.30 fee hurts more than the percentage
- Use for pricing decisions – Add 3-4% to product prices to maintain margins
- Check monthly – Update your volume monthly to track discount eligibility
- Compare payment methods – Sometimes ACH or bank transfers are cheaper for large invoices
- Save calculations – Use the history feature to track fee trends over time
FAQ: Common Questions About Stripe Fees
How accurate is this Stripe fee calculator?
Our calculator is 100% accurate for standard Stripe accounts. It uses the exact fee structure published by Stripe. If you have negotiated custom rates, use the “Custom Rate” field to adjust.
What’s the difference between domestic and international cards?
Domestic cards are issued in the same country as your Stripe account. International cards add a 1.5% surcharge because Stripe incurs higher costs for cross-border processing.
Does this tool work for Stripe Connect or marketplace accounts?
The calculator shows standard Stripe fees. Connect accounts have additional fees (typically 0.25% per payout). Add this manually if needed.
Can I embed this calculator on my website?
Yes! The tool is built with vanilla JavaScript and requires no external dependencies. Copy the HTML file and customize the styling to match your brand.
How do I reduce my Stripe fees?
Three proven strategies:
- Process more volume to unlock discounts
- Encourage bank transfers for large invoices
- Use Stripe’s built-in invoicing to avoid third-party costs
Why is my effective rate higher than 2.9%?
The effective rate includes:
- The $0.30 fixed fee (hits small transactions harder)
- International card surcharges
- Currency conversion fees
- Chargeback fees
On a $10 sale, your effective rate is 5.9%, not 2.9%.
Does Stripe charge fees on tax and shipping?
Yes – Stripe fees apply to the total charge amount, including tax, shipping, and any other line items.
What’s the maximum transaction amount I can calculate?
Our tool supports calculations up to $10 million per transaction.
Can I calculate fees for subscription businesses?
Absolutely! Check “Subscription Payment” mode to see 12-month projections. This is perfect for SaaS companies and membership sites.
How is this different from Stripe’s own calculator?
Our tool offers more features:
- Country-specific pricing
- Visual fee breakdowns
- Scenario comparisons
- Social sharing
- Calculation history
- SEO-friendly URL sharing
Troubleshooting Common Issues
Problem: Calculator shows $0 results Solution: Ensure you’ve entered a valid number in the amount field and selected a country
Problem: Chart isn’t displaying Solution: Check your browser supports HTML5 Canvas (all modern browsers do)
Problem: Share buttons don’t work Solution: Enable pop-ups for our site, or copy results manually
Final Thoughts: Take Control of Your Payment Processing
Understanding your true Stripe fees isn’t just about saving money—it’s about making smarter business decisions. When you know exactly what each transaction costs, you can:
- Price products with confidence
- Forecast revenue accurately
- Choose the right payment methods for your customers
- Negotiate from a position of strength
Bookmark this tool and run calculations before launching any new product, service, or pricing tier. Your profit margins will thank you.
Try It Now: Free Stripe Payout Estimator
Ready to see what you’re really paying? Use our 100% free, privacy-first calculator above—no signup, no tracking, no data collection.
Your financial clarity is one click away.